Post #293 by blm on the Retirement Investing board

Personal Finance Topics / Retirement Investing

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If he had done the opposite of what he did, I would have agreed. But I don't think a bond fund is appropriate for short term living expenses, and "a diversified set of stock funds" screams high expense ratio and trading costs. VOO (or VTI) are already "a diversified set of stock funds" but in a single, really low expense ratio fund. It also seems like the couple didn't want to do a lot of managing investments, so he's also made their life more complex, probably to no benefit.

While I'm not to 1 stock fund, 1 bond fund, and some highly liquid cash equivalents yet, that's my goal.

But that's just me.

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